AmOne Review: Is It A Scam? Find Out Here!

Are you in need of a personal loan but struggling to find the right option due to a poor credit score? Look no further than AmOne, a loan marketplace that can help you connect with lenders who are willing to provide loans regardless of your financial situation. In this article, we will delve into how AmOne works and whether it is a trustworthy platform for your personal loan needs.


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Customer services and support

Summary of AmOne:

AmOne specializes in using algorithms and machine learning to match borrowers with potential lenders. Once you are matched with lenders, you have the opportunity to evaluate their offers and choose the one that best suits your requirements. The process is designed to simplify the loan search and provide borrowers with multiple options to compare.

AmOne Personal Loan Services

AmOne has the ability to match borrowers with lenders offering loans ranging from $1,000 to $50,000. To utilize AmOne’s services, you must meet two minimum requirements: being 18 years old or older and being a U.S. citizen or permanent resident. It’s important to note that if you are approved for a loan, the lender may conduct a hard credit check, which can impact your credit score.

When applying for a loan through AmOne, you will be asked to specify the reason for the loan. Some common reasons individuals seek personal loans include debt consolidation, paying off credit card debt, emergency expenses, home improvement, starting a business, or making a large purchase.

  • Debt Consolidation

If you have multiple personal loans with varying interest rates, a debt consolidation loan can simplify your repayment process. By merging multiple debts into a single loan, you can better manage and pay off your debt. Debt consolidation can also help you pay off high-interest loans by replacing them with a loan that has a lower interest rate.

  • Paying Off Credit Card Debt

Personal loans can be a useful tool for paying off credit card debt, especially if you have maxed out multiple credit cards. Consolidating your debts with a personal loan can make repayment more manageable. Additionally, if you have a credit card with a high annual percentage rate (APR), using a personal loan with a lower interest rate can help you pay off the balance more efficiently.

  • Emergency Expenses

Life is full of unexpected costs, and personal loans can provide a solution for sudden emergency expenses. Whether it’s medical expenses, auto repairs, weather damage to property, family emergencies, unexpected travel expenses, urgent pet care, or dealing with job loss, personal loans obtained through AmOne can help bridge the financial gap. In certain situations, personal loans may be more advantageous than relying solely on credit cards, as they can provide higher borrowing limits and potentially lower interest rates.

  • Home Improvement

Home improvements can be costly, and if you are looking to make renovations but lack the funds upfront, a personal loan can be a viable option. Whether you want to convert your personal office into an additional bedroom or revamp your basement to increase the value of your home before selling it, AmOne can connect you with lenders offering home improvement loan options.

  • Starting a Business

Entrepreneurs who are looking to start a business can benefit from personal loans. Acquiring a business loan can provide tax benefits, help build your business credit, and potentially eliminate the need to involve investors. AmOne’s network of lenders can assist you in obtaining the necessary funds to get your new venture off the ground.

  • Making a Large Purchase

Personal loans can also be used to make significant purchases, ranging from cars and vacations to textbooks and laptops for school. Whether you need an auto loan or a personal loan for a big-ticket item, AmOne can connect you with lenders offering suitable loan options.

AmOne Personal Loans Pricing

The loan amounts available through AmOne vary depending on your qualifications and the terms set by the lender. Loan amounts typically range from $2,000 to $50,000. The APRs advertised on AmOne’s website start as low as 5.99%. However, it’s essential to keep in mind that the rate you receive may be influenced by your credit score. To determine the specific terms, rates, fees, and monthly payments, it’s crucial to review the details provided by the lender you choose.

AmOne Contact Info

AmOne’s services are accessible nationwide throughout the United States. To receive loan offers, you will need to complete an application and meet the platform’s eligibility requirements. Additionally, it’s recommended to thoroughly research and evaluate each lender before making a final decision.


AmOne operates in all 50 states in the U.S., and personal loans are available to individuals who are 18 years of age or older and are either U.S. citizens or permanent residents.

Contact Information

If you have any questions or need assistance, AmOne’s customer service representatives and loan experts can be reached by phone at 1 (800) 781-5187. You can also contact AmOne through its website for further support.

User Experience

AmOne’s website is designed to be user-friendly and easy to navigate, even for individuals who may not be highly proficient with technology. The straightforward user interface simplifies the application process, requiring only a few steps to receive loan offers. The layout of the website allows for quick comparison of key loan terms, making it easier to evaluate the options presented.

AmOne Personal Loans Customer Reviews

AmOne has garnered exceptional customer satisfaction ratings, as evidenced by its A+ rating from the Better Business Bureau (BBB). The positive customer feedback reflects the effectiveness and reliability of AmOne’s service.


When it comes to finding the right personal loan, AmOne provides a reliable platform that can connect borrowers with potential lenders. Their services are particularly beneficial for individuals with poor credit scores, as they specialize in matching borrowers with lenders who are willing to work with individuals in challenging financial situations. With a user-friendly website, competitive loan rates, and positive customer satisfaction ratings, AmOne offers a valuable resource for those in need of personal loans.

However, it’s important to be aware that AmOne is not a direct lender, and the transparency of lender information may be limited until you complete the application process. Additionally, some borrowers have reported receiving spam messages from potential lenders, which can be a minor drawback.

Before accepting any loan offers through AmOne, it’s crucial to conduct thorough research on the specific lenders and evaluate their financial stability. Remember to carefully review the terms, rates, fees, and repayment options provided by each lender to make an informed decision.

Overall, if you are seeking a convenient way to explore multiple loan options and find the best personal loan for your needs, AmOne is worth considering. Their reputable services and commitment to customer satisfaction make them a viable choice in the competitive loan marketplace.

Frequently Asked Questions

Here are 10 frequently asked questions about AmOne Personal Loans.

Completing an application on its website won’t affect your credit score because the company only performs a soft credit check. However, when you select a loan offer and proceed with the lender, they may conduct a hard credit check, which can impact your credit score.

Yes, it can help borrowers with limited credit history or no credit score. While having a strong credit history can increase the likelihood of securing favorable loan offers, it understands that individuals with limited credit can face challenges when seeking loans. They have partnered with lenders who consider other factors, such as income, employment history, and financial stability, in addition to credit scores. 

It has developed a robust network of lenders, including both traditional financial institutions and online lenders. When you submit your loan application, its algorithms analyze your financial profile and match you with lenders who are likely to provide competitive rates based on your credit score, income, and other factors.

The timeframe for receiving loan offers can vary depending on several factors, including the information provided in your application, the complexity of your financial situation, and the specific lenders available at the time. However, it strives to provide a quick and efficient loan matching process. In many cases, borrowers receive loan offers within minutes or hours of submitting their applications. 

Absolutely! One of the key benefits of it is its ability to help borrowers consolidate their debts. If you have multiple loans or credit card balances with varying interest rates, it can connect you with lenders who offer debt consolidation loans. By consolidating your debts into a single loan, you can simplify your repayment process and potentially secure a lower interest rate, which can save you money in the long run. 

 If you experience financial hardship and are unable to make payments on your loan, it’s important to contact your lender directly as soon as possible. It is not involved in the actual lending process and does not handle repayment or collections. Each lender in its network has its own policies and procedures for dealing with delinquent payments. 

This company is committed to protecting borrowers from predatory lending practices. As part of their vetting process, they ensure that the lenders in their network comply with applicable laws and regulations. It encourages borrowers to carefully review the terms and conditions of loan offers, including interest rates, fees, and repayment terms, to ensure they are fully informed.

It prioritizes transparency and fairness in the loan matching process. While they cannot guarantee approval or specific loan terms, they strive to provide borrowers with a clear understanding of the process and the available loan options. It discloses important information upfront, such as their role as a loan marketplace, the fact that they are not direct lenders, and that loan terms and conditions are determined by the lenders themselves.

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